Stone County, MS Mortgage Lenders & HMDA Data, 2016
In 2016, lenders reported 554 mortgage applications in Stone County, MS totaling $63.5 million, up 12% from 2015. The average application was for $114,000, and applicants reported an average income of $54,000. 42% of applications resulted in an originated loan and 25% were denied. The most active lender was Vanderbilt Mortgage and Finance, Inc, with 50 applications, followed by Keesler Federal Credit Union and loanDepot.com LLC.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 554 |
| Total Mortgage Loan Application Amount | $63,452,000 |
| Average Mortgage Loan Application Amount | $114,000 |
| Highest Mortgage Loan Application Amount | $412,000 |
| Average Applicant Income | $54,000 |
| Highest Applicant Income | $635,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ 31,000,000 | 50 | $ 3,389,000 |
| Keesler Federal Credit Union 2602 PASS ROAD BILOXI, MS 39531 |
* | $ 2,347,905,000 | 49 | $ 5,422,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ 138,031,000 | 25 | $ 3,474,000 |
| 21st Mortgage 620 MARKET ST SUITE 100 KNOXVILLE, TN 37902 |
* | $ 10,000,000 | 21 | $ 1,245,000 |
| Gmfs, LLC 7389 FLORIDA BLVD, STE 200-A BATON ROUGE, LA 70806 |
* | $ 10,000,000 | 21 | $ 2,533,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,610,580,000,000 | 20 | $ 2,330,000 |
| Hancock Whitney Bank 2510 14TH STREET GULFPORT, MS 39501 |
* | $ 22,732,432,000 | 18 | $ 2,150,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 1,914,658,000,000 | 17 | $ 2,090,000 |
| Cadence Bank P O BOX 789 TUPELO, MS 38804 |
* | $ 13,790,125,000 | 14 | $ 2,127,000 |
| The Peoples Bank 152 LAMEUSE ST BILOXI, MS 39530 |
* | $ 637,610,000 | 14 | $ 665,000 |
| Freedom Mortgage Corporation 10500 KINCAID DRIVE FISHERS, IN 46037 |
* | $ 10,000,000 | 13 | $ 1,577,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ 10,000,000 | 13 | $ 1,332,000 |
| Regions Bank 1900 5TH AVENUE N BIRMINGHAM, AL 35203 |
* | $ 125,121,263,000 | 11 | $ 868,000 |
| Trustmark Bank PO BOX 291 JACKSON, MS 39201 |
* | $ 12,677,017,000 | 10 | $ 1,263,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ 39,000,000 | 10 | $ 1,462,000 |
| Everett Financial, Inc. 14801 QUORUM DRIVE, SUITE 300 DALLAS, TX 75254 |
* | $ 3,642,000 | 10 | $ 1,747,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ 880,000,000 | 10 | $ 1,815,000 |
| Bank of America NA 31303 AGOURA RD CA6-917-01-20 WESTLAKE VILLAGE, CA 91361 |
* | $ 1,639,305,000,000 | 9 | $ 1,584,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ 10,000,000 | 9 | $ 1,099,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 73,279,079,000 | 9 | $ 1,058,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 71,130,930,000 | 9 | $ 1,437,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ 4,088,336,000 | 8 | $ 855,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ 10,000,000 | 8 | $ 1,218,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ 1,543,699,000 | 8 | $ 1,181,000 |
| The First, A National Banking Association P.O. BOX 15549 HATTIESBURG, MS 39404 |
* | $ 1,144,590,000 | 8 | $ 636,000 |
| Carrington Mortgage Services LLC 500 NORTH STATE COLLEGE BOULEVARD SUITES 1030, 1300 AND 1400 ORANGE, CA 92868 |
* | $ 945,758,000 | 7 | $ 793,000 |
| The Home Lending Group, LLC 215 KATHERINE DRIVE FLOWOOD, MS 39232 |
* | $ 22,596,000 | 6 | $ 768,000 |
| Primelending 18111 PRESTON ROAD SUITE 900 DALLAS, TX 75252 |
* | $ 8,764,654,000 | 6 | $ 951,000 |
| First National Bank of America 241 EAST SAGINAW EAST LANSING, MI 48823 |
* | $ 822,669,000 | 6 | $ 278,000 |
| Magnolia Bank PO BOX 188 HODGENVILLE, KY 42748 |
* | $ 180,082,000 | 5 | $ 791,000 |
| Community Bank, Coast P. O. BOX 7588 GULFPORT, MS 39506 |
* | $ 739,202,000 | 5 | $ 303,000 |
| Clayton Bank and Trust 520 WEST SUMMIT HILL DRIVE SUITE 801 KNOXVILLE, TN 37902 |
* | $ 785,530,000 | 4 | $ 283,000 |
| Credit Human Federal Credit Un 6061 IH 10 WEST SAN ANTONIO, TX 78215 |
* | $ 2,801,773,000 | 4 | $ 327,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ 8,994,122,000 | 4 | $ 569,000 |
| Home Point Mortgage Acceptance Corporation 121 RESEARCH BLVD MADISON, AL 35758 |
* | $ 580,000,000 | 4 | $ 508,000 |
| Navigator Credit Union P O BOX 1647 PASCAGOULA, MS 39568 |
* | $ 309,470,000 | 4 | $ 369,000 |
| Cis Financial Services, Inc. 851 MILITARY STREET N HAMILTON, AL 35570 |
* | $ 14,200,000 | 4 | $ 466,000 |
| Fbt Mortgage, L.L.C. 6911 WASHINGTON AVE SUITE B OCEAN SPRINGS, MS 39564 |
* | $ 678,000,000 | 3 | $ 320,000 |
| Embrace Home Loans, Inc. 25 ENTERPRISE CENTER MIDDLETOWN, RI 02842 |
* | $ 10,000,000 | 3 | $ 477,000 |
| Reliance First Capital, LLC 201 OLD COUNTRY ROAD SUITE 205 MELVILLE, NY 11747 |
* | $ 100,000,000 | 3 | $ 540,000 |
| Amerihome Mortgage Company, LLC 1 BAXTER WAY SUITE 300 THOUSAND OAKS, CA 91362 |
* | $ 10,000,000 | 3 | $ 407,000 |
| Ditech Financial LLC 1100 VIRGINIA DRIVE, SUITE 100 FORT WASHINGTON, PA 19034 |
* | $ 6,260,444,000 | 3 | $ 357,000 |
| Suntrust Bank P.O. BOX 4418, MAIL CODE 0663 ATLANTA, GA 30302 |
* | $ 186,710,993,000 | 3 | $ 65,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 205,125,538,000 | 2 | $ 400,000 |
| State Farm Bank, F.S.B. 1 STATE FARM PLAZA E-6 BLOOMINGTON, IL 61710 |
* | $ 16,709,556,000 | 2 | $ 156,000 |
| Community Bank of Mississippi 323 EAST THIRD STREET FLOWOOD, MS 39232 |
* | $ 723,474,000 | 2 | $ 460,000 |
| Goldwater Bank, N.A. 2525 EAST CAMELBACK ROAD SUITE 1100 PHOENIX, AZ 85016 |
* | $ 95,747,000 | 2 | $ 268,000 |
| Citibank, NA NEW YORK, NY 10012 |
* | $ 1,299,801,000,000 | 2 | $ 171,000 |
| Pacific Union Financial, LLC 8900 FREEPORT PKWY, STE 150 IRVING, TX 75063 |
* | $ 40,000,000 | 2 | $ 286,000 |
| Lakeview Loan Servicing, LLC 4425 PONCE DE LEON BLVD. CORAL GABLES, FL 33146 |
* | $ 1,825,398,000 | 2 | $ 135,000 |
| Nations Lending Corporation 4 SUMMIT PARK DR STE 200 INDEPENDENCE, OH 44131 |
* | $ 4,410,000 | 2 | $ 311,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 206,674,000 | 2 | $ 345,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 13,649,486,000 | 2 | $ 373,000 |
| Citizens National Bank of Meridian 512 22ND AVENUE MERIDIAN, MS 39302 |
* | $ 1,198,079,000 | 2 | $ 208,000 |
| Franklin American Mortgage Company 6100 TOWER CIRCLE SUITE 600 FRANKLIN, TN 37067 |
* | $ 10,000,000 | 2 | $ 186,000 |
| Forbright Bank 6701 DEMOCRACY BLVD, SUITE 400 CHEVY CHASE, MD 20815 |
* | $ 504,343,000 | 2 | $ 296,000 |
| Zillow Home Loans, LLC 2600 MICHELSON DRIVE IRVINE, CA 92612 |
* | $ 10,000,000 | 2 | $ 303,000 |
| American Internet Mortgage, Inc. 4121 CAMINO DEL RIO SOUTH SAN DIEGO, CA 92108 |
* | $ 10,000,000 | 1 | $ 295,000 |
| Southwest Stage Funding LLC 2290 E YEAGER DR SUITE 250 CHANDLER, AZ 85286 |
* | $ 5,889,539,000 | 1 | $ 41,000 |
| Peoples Bank 4831 W 6TH ST LAWRENCE, KS 66049 |
* | $ 451,930,000 | 1 | $ 157,000 |
| CMG Mortgage Inc 3160 CROW CANYON ROAD, SUITE 400 SAN RAMON, IL 94583 |
* | $ 100,000,000 | 1 | $ 95,000 |
| Magnolia State Bank P O BOX 41 LAUREL, MS 39440 |
* | $ 302,938,000 | 1 | $ 154,000 |
| Ifreedom Direct Corporation 124 N. CHARLES LINDBERGH DRIVE SLC, UT 84116 |
* | $ 10,000,000 | 1 | $ 87,000 |
| Origin Bank HOUSTON, TX 77024 |
* | $ 3,951,154,000 | 1 | $ 187,000 |
| Orion Federal Credit Union 7845 HIGHWAY 64 MEMPHIS, TN 38103 |
* | $ 595,215,000 | 1 | $ 104,000 |
| Homestar Financial Corporation 332 WASHINGTON STREET, NW PEACHTREE CORNERS, GA 30501 |
* | $ 45,240,000 | 1 | $ 201,000 |
| Envoy Mortgage, Ltd 10496 KATY FWY STE 250 HOUSTON, TX 77024 |
* | $ 10,000,000 | 1 | $ 95,000 |
| American Advisors Group 3800 W.CHAPMAN SUITE 300 ORANGE, CA 92868 |
* | $ 100,247,000 | 1 | $ 48,000 |
| Gulf Coast Community Federal Credit Union 12364 HWY 49 GULFPORT, MS 39503 |
* | $ 91,300,000 | 1 | $ 150,000 |
| New American Funding, Llc. 14511 MYFORD ROAD, SUITE 100 TUSTIN, CA 92780 |
* | $ 10,000,000 | 1 | $ 180,000 |
| Charter Bank 1721 MEDICAL PARK DRIVE SUITE 103 BILOXI, MS 39532 |
* | $ 123,444,000 | 1 | $ 38,000 |
| Stonegate Mortgage Corporation 9190 PRIORITY WAY WEST DRIVE INDIANAPOLIS, IN 46240 |
* | $ 10,000,000 | 1 | $ 81,000 |
| Guaranteed Rate, Inc. 3940 NORTH RAVENSWOOD AVE CHICAGO, IL 60613 |
* | $ 10,000,000 | 1 | $ 63,000 |
| Bank of Yazoo P.O. BOX 600 YAZOO CITY, MS 39194 |
* | $ 243,894,000 | 1 | $ 278,000 |
| Community Bank, Ellisville, Mississippi P. O. BOX 265 LAUREL, MS 39441 |
* | $ 693,216,000 | 1 | $ 120,000 |
| Century Bank P O BOX 647 LUCEDALE, MS 39452 |
* | $ 266,203,000 | 1 | $ 67,000 |
| Merchants & Marine Bank P. O. BOX 729 PASCAGOULA, MS 39567 |
* | $ 563,094,000 | 1 | $ 95,000 |
| Renasant Bank JOHNS CREEK, GA 30097 |
* | $ 7,901,669,000 | 1 | $ 56,000 |
| South State Bank 520 GERVAIS STREET COLUMBIA, SC 29201 |
* | $ 8,560,707,000 | 1 | $ 43,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 417,458,234,000 | 1 | $ 86,000 |
| Capital One, National Association 7933 PRESTON ROAD PLANO, TX 75024 |
* | $ 273,231,606,000 | 1 | $ 209,000 |
| Centennial Bank P.O. BOX 308 TREZEVANT, TN 38258 |
* | $ 321,852,000 | 1 | $ 63,000 |
| Firstbank 1221 BROADWAY SUITE 1300 NASHVILLE, TN 37203 |
* | $ 2,887,863,000 | 1 | $ 91,000 |
| Bankplus 1068 HIGHLAND COLONY PARKWAY RIDGELAND, MS 39157 |
* | $ 2,569,849,000 | 1 | $ 90,000 |
| Texas Capital Bank, National Association 2000 MCKINNEY AVE SUITE 700 DALLAS, TX 75201 |
* | $ 18,900,720,000 | 1 | $ 177,000 |
| First Federal Savings and Loan Association of Pascagoula - Moss Point 903 JACKSON AVENUE PASCAGOULA, MS 39567 |
* | $ 285,981,000 | 1 | $ 128,000 |
| Grand Bank for Savings, FSB 204 WESTOVER DRIVE HATTIESBURG, MS 39404 |
* | $ 89,909,000 | 1 | $ 102,000 |
The tables below break down 2016 mortgage applications in Stone County, MS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Stone County, MS in 2016
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 301 | $33,416,000 | $111,000 | $412,000 | $48,000 | $221,000 |
| Refinancing | 231 | $29,459,000 | $127,000 | $312,000 | $61,000 | $635,000 |
| Home Improvement | 22 | $577,000 | $26,000 | $123,000 | $61,000 | $175,000 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 387 | $45,602,000 | $117,000 | $412,000 | $64,000 | $635,000 |
| Not applicable | 59 | $7,281,000 | $123,000 | $304,000 | $0 | $28,000 |
| Black or African American | 52 | $5,145,000 | $98,000 | $253,000 | $45,000 | $161,000 |
| Not Provided | 47 | $4,942,000 | $105,000 | $256,000 | $47,000 | $200,000 |
| Hispanic | 6 | $353,000 | $58,000 | $110,000 | $66,000 | $120,000 |
| Native Hawaiin or Other Pacific Islander | 1 | $38,000 | $38,000 | $38,000 | $58,000 | $58,000 |
| American Indian or Alaskan Native | 1 | $28,000 | $28,000 | $28,000 | $130,000 | $130,000 |
| Asian | 1 | $63,000 | $63,000 | $63,000 | $9,000 | $9,000 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 303 | $29,158,000 | $96,000 | $412,000 | $63,000 | $432,000 |
| FHA-insured (Federal Housing Administration) | 112 | $14,068,000 | $125,000 | $256,000 | $45,000 | $635,000 |
| VA-guaranteed (Veterans Administration) | 90 | $14,598,000 | $162,000 | $376,000 | $50,000 | $149,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 49 | $5,628,000 | $114,000 | $256,000 | $26,000 | $76,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 233 | $28,134,000 | $120,000 | $412,000 | $64,000 | $230,000 |
| Application Denied By Financial Institution | 137 | $14,209,000 | $103,000 | $312,000 | $56,000 | $635,000 |
| Loan Purchased By The Institution | 70 | $9,146,000 | $130,000 | $304,000 | $10,000 | $115,000 |
| Application Withdrawn By Applicant | 51 | $6,362,000 | $124,000 | $297,000 | $66,000 | $432,000 |
| File Closed For Incompleteness | 40 | $3,288,000 | $82,000 | $375,000 | $48,000 | $175,000 |
| Application Approved But Not Accepted | 23 | $2,313,000 | $100,000 | $222,000 | $62,000 | $154,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Credit History | 22 | $2,183,000 | $99,000 | $270,000 | $63,000 | $221,000 |
| Collateral | 12 | $1,667,000 | $138,000 | $312,000 | $71,000 | $166,000 |
| Debt-To-Income Ratio | 9 | $1,055,000 | $117,000 | $270,000 | $48,000 | $84,000 |
| Credit Application Incomplete | 5 | $399,000 | $79,000 | $154,000 | $47,000 | $129,000 |
| Other | 3 | $212,000 | $70,000 | $163,000 | $54,000 | $71,000 |
| Unverifiable Information | 2 | $298,000 | $149,000 | $170,000 | $48,000 | $74,000 |
| Employment History | 1 | $134,000 | $134,000 | $134,000 | $59,000 | $59,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $189,000 | $189,000 | $189,000 | $70,000 | $70,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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